Covers treatments young people are most likely to use, but you save by not paying to cover treatments you may not need such as maternity. Includes over 5000 hospital treatments, as well as eight Essentials services including general dental, optical and physio. More info

Covers a wide range of hospital treatment, including heart treatment, joint replacement and cataracts. It’s a great choice if you want comprehensive hospital cover without maternity. You’ll also receive benefits for a range of Essentials services such as dental, optical, physio and a fully covered Friendlies health check each year.More info

HBF Ultimate is the most comprehensive health cover in Australia. It gives you the peace of mind that comes with being fully covered for treatments in hospital, plus you can claim 90 to 100% back on a wide range of Essentials services.More info

Hospital health cover

Hospital cover lets you save money on hospital treatments, avoid public hospital waiting lists and choose your own doctor. HBF members are fully covered for 82% of medical treatments in WA hospitals and, on average, our members get 94.4% back on hospital charges.

Covers most hospital treatments including maternity and birth-related services (including IVF). This cover suits people who are planning on starting a family, and want to save by not paying for services they are not likely to use such as joint replacements and heart treatment.More info

You’ll avoid public hospital waiting lists and be covered for over 5000 hospital treatments, including heart procedures. Perfect if you want quality hospital cover but don’t want to pay for maternity cover.More info

Essentials health cover

Also knowns as extras cover, our award-winning (CANSTAR 2014) Essentials health cover is for those extra medical services outside of hospital cover and procedures. These may include services like dental, optical, urgent ambulance, physiotherapy and chiropractic.

Low cost Essentials cover for general dental and urgent ambulance, plus two services of your choice. Choose what you’ll use from major dental, optical, physio and more. You can also choose how much you want back. The different benefit levels available are Essentials Saver, Essentials Saver Mid or Essentials Saver Plus.More info

Flexi Extras lets you choose 10 extras from 19 options, so you can tailor your cover to suit your needs. You can swap services at any time, and there are three different benefit levels to choose from.More info

The name ‘premium’ says it all – this is the ideal cover if you want the flexibility to claim regularly on a wide range of services. Receive high benefits for 39 health services, including dental, chiro, physio, podiatry, optical, osteopathy, speech therapy and a full range of complementary and natural therapies. More info

Additional

GapSaver is an easy way to put aside a little money now which you can use towards any out-of-pocket expenses if you need to go to hospital, or on ancillary treatments such as dental, optical and physio.More info

If you want additional cover for services such as remedial massage, reflexology, yoga, pilates and travel vaccinations, Wellness is the perfect choice. Wellness is included in Premium Essentials and Ultimate, and can be added to most other Essentials or Packages covers. More info

Ambulance Plus gives you and your family peace of mind knowing you have comprehensive cover for urgent and non-urgent ambulance transport, and includes a $3000 limit for each person covered on your policy. Ambulance Plus can be added to any of our Hospital or Packages policies and used after only 30 days. More info